NASDAQ$TIPT

Tiptree Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Tiptree reported a net loss due to deferred tax liability and unrealized losses on investments, partially offset by growth in insurance and shipping operations, but adjusted net income increased driven by growth in specialty insurance and shipping operations.

Tiptree Inc. reported a net loss of $22.4 million for Q2 2022, driven by deferred tax liability and unrealized losses on investments. However, adjusted net income increased by 6.6% to $14.0 million, driven by growth in specialty insurance and shipping operations. Revenues increased by 13.4% to $339.8 million.

  • Closed $200 million strategic investment in Fortegra by Warburg Pincus and repaid $113 million of corporate debt.
  • Recognized a $63.2 million pre-tax gain from the Fortegra investment, offset by $39.6 million of tax expense.
  • Sold one dry bulk vessel for $21.5 million and signed agreements to sell two remaining vessels for $46.2 million, representing an approximate 45% gain.
  • Adjusted net income increased by 6.6% to $14.0 million, driven by growth in specialty insurance and shipping operations.

Headline financials

Total Revenue

$340M

Previous: $300M+13.4%
EPS (adj)

-$0.64

Previous: $0.22-390.9%
Book Value Per Share

$10.75

Previous: $11.59-7.2%
Capital Expenditures

-$3.08M

Previous: -$1.19M-158.9%
Free Cash Flow

-$25.5M

Previous: $6.78M-476.1%
Net Income

-$22.4M

Previous: $7.97M-381.2%
Operating Income

-$72.5M

Previous: -$55.8M-29.9%
Gross Profit

$257M

Previous: $23.1M+1012.0%
Cash & Equivalents

$338M

Previous: $142M+138.5%
Total Assets

$3.73B

Previous: $3.21B+16.2%
Stock-Based Comp

$45K

Previous: $1.15M-96.1%

Revenue & EPS history

Tiptree · Revenue · Quarterly

$340M

Q2 2022+13.4%vs Q2 2021

Forward guidance

This release contains forward-looking statements which involve risks, uncertainties and contingencies, many of which are beyond the Company’s control, which may cause actual results, performance, or achievements to differ materially from anticipated results, performance, or achievements.

Tailwinds

  • Statements about the Company’s plans
  • Statements about the Company’s objectives
  • Statements about the Company’s expectations for our businesses
  • Statements about the Company’s intentions
  • The Company has a significant track record investing in the insurance sector and across a variety of other industries, including mortgage origination, specialty finance and shipping.

Headwinds

  • Risk Factors’ in the Company’s Annual Report on Form 10-K
  • Risk Factors described in the Company’s other filings with the Securities and Exchange Commission
  • Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as to the date of this release.
  • Other unknown or unpredictable factors also could affect our forward-looking statements.
  • Given these uncertainties, you should not place undue reliance on these forward-looking statements.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

+1.6%

Avg return

Earnings day

+2.3%

Avg return

5 days after

+5.9%

Avg return

30 days after

59%

32 / 54 earnings

Positive

+12.7%

Q3 2023

Best reaction

-11.4%

Q4 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.8%-0.2%+6.7%
Q4 2025-1.8%-2.1%-0.5%
Q3 2025-0.2%+3.9%+6.6%
Q1 2025+0.8%+2.0%+5.7%
Q3 2024+3.6%+3.8%+15.7%
Q2 2024-8.8%-12.8%-0.9%
Q1 2024+3.4%+4.2%+9.7%
Q4 2023-1.4%-5.1%-2.6%
Q3 2023+12.7%+13.7%+24.7%
Q2 2023+7.9%+8.6%+19.8%
Q1 2023-5.2%-8.3%-1.6%
Q4 2022-0.2%-3.8%-9.6%
Q3 2022-1.7%+1.9%+11.8%
Q2 2022+6.6%+10.3%+6.8%
Q1 2022-6.0%-10.0%-5.8%
Q4 2021+10.1%+4.9%+3.1%
Q3 2021+3.5%+1.1%-23.5%
Q2 2021+9.0%+5.6%+4.8%
Q1 2021+9.9%+9.3%+7.6%
Q4 2020+3.8%+38.4%+79.3%
Q3 2020+0.6%+5.5%+4.5%
Q2 2020+2.1%+9.9%+3.1%
Q1 2020+3.9%-4.0%+10.7%
Q4 2019-11.4%-0.2%+0.2%
Q3 2019+1.2%+7.1%+6.7%
Q2 2019-2.7%-2.5%+2.5%
Q1 2019+5.1%+7.5%+12.5%
Q4 2018+6.9%+7.6%+8.8%
Q3 2018-1.0%-3.4%-7.9%
Q2 2018+2.3%+3.1%+1.6%
Q1 2018+0.0%+0.0%+0.8%
Q4 2017+4.9%+4.9%+5.7%
Q3 2017-6.9%-6.1%-3.8%
Q2 2017-1.5%-4.5%-11.4%
Q1 2017-5.3%-7.5%+6.0%
Q4 2016+3.9%+1.6%+6.2%
Q3 2016+0.8%+5.0%+11.8%
Q2 2016+2.7%-0.6%+9.4%
Q4 2015+6.5%
Q2 2015+5.0%
Q3 2014-3.1%
Q1 2014+7.3%
Q2 2013-2.8%
Q4 2013-2.8%
Q3 2013+4.4%
Q1 2013+3.7%
Q4 2012+0.0%
Q3 2012+0.0%
Q2 2012+1.5%
Q4 2011+5.8%
Q1 2011+5.8%
Q1 2012+3.0%
Q3 2011+0.0%
Q2 2011+0.0%

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